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Report: #702165

Complaint Review: American Family Insurance - Madison Wisconsin

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  • Reported By: Z.Porter — Duluth USA
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  • American Family Insurance 6000 American Parkway Madison, Wisconsin United States of America

American Family Insurance American Family Insurance homeowner's policy does not actually cover ANYTHING. Madison, Wisconsin

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  I carry both my auto and homeowner's insurance with American Family. I have been battlig with them over damage done to my home. Parts are storm related, part due to water being re-routed onto my property and some due to my oil furnace failing.
  The damage caused by the water being re-routed to my back yard was this: it flooded my back yard and when the ground froze, it pushed my back porch and addition foundation up and under my siding and also pushed up and buckled my patio which was made of four foot square by 8 inch deep portions of cement, each framed in 2x8 redwood.  In the spring when the ground thawed, the porch needed replacing as did the foundation around the addition. Also, the back basement wall had to be repaired as it was leaking like a sive. The cement squares on the patio went down but the redwood framing stayed up about 2 inches above the cement squares.  Because of the cost, I spent an entire Summer with a kro-bar, hammer and hack saw cutting and pulling out all the redwood.  I had the basement repaired, a drainage system put in and the basement emptied including the removal of a pine paneled work room/ office because everything became covered with mold. Well, American Family says they sent someone to look at it, but that never happened as no one could have gotten into my home without me since I have a security system on it. Result ? Not covered. Reason ?  Because much of the repair work had already been done. Of course some of it had been done, especially to the outside because there was a flood of water continually pouring into the basement. As it turned out everything down there had to be thrown out and I wasn't even asking for money for any of that.  
  Next: damage to my roof and chimney due to a bad hail storm. Chimney had to be re-capped and several roof shingles were blown up resulting in a leak that is still causing water damage in two rooms in my upstairs. American Family did send someone to look at the roof, but all he did was walk around the house and tell me it "looked fine" even though there were still shingles up on one side of the roof.  Result ?  Not covered.  Reason ?  Because the chimney work order had "cleaning" listed on it. The chimney was not cleaned, the cleaning referred to the cleanup after the work was done.  Funny thing, two of my neighbors also have American Family Insurance and both had their roofs replaced after this storm. Difference between me and them ?  I am on my own and they both have men on the premises. Might not have anything to do with it but it did make me wonder because I can't help but feel that if my husband were still living, my great "replacement value" insurance would have covered something.
  Next: Twice within a little less than a month, my oil furnace faltered and soot came through my entire house. Has anything been rplaced or cleaned ? NO. Reason ? They say I never contacted them.  Right, all this damage and I didn't call them.  I pay almost $1200.00 a year for this insurance because of all the financial problems that have come from the repairs made not covered by my insurance. It has had a terrible effect on my finances and credit rating and American Family charges premiums based on credit scores. It doesn't matter to them if they are the main reason for the financial  problems in the first place.
     As of now ?  I sent all information including photographs to the Minnesota Commerce Commission and are you ready for this ?  They are telling me it's my word against American Family's and even though they have copies of the letters I wrote to American Family and many photographs of the damage, I am being told that basically, there is nothing I can do.  Really ?  Why am I in the wrong ?  Why is it assumed by the person at the Commerce Commission that American Family is being truthful and I'm not ?  Until all of this happened, I had never even had a claim on my homeowner's policy.  They make millions if not billions in profit and still they do not honor their policies when a homeowner is in the right. All American Family had to do is say they looked at damage when they didn't and that the homeowner didn't contact them, when the homeowner did and they get away with it.

This report was posted on Ripoff Report on 03/03/2011 11:35 AM and is a permanent record located here: https://www.ripoffreport.com/reports/american-family-insurance/madison-wisconsin-53783/american-family-insurance-american-family-insurance-homeowners-policy-does-not-actually-702165. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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